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How is the monthly payment estimate calculated?

Principal and interest at the lowest APR the lender publishes, over the term you pick, excluding origination and other fees. It is an estimate for comparison only, and the lender's own disclosure governs.

What is the "Lowest APR" history chart?

A record of the lowest APR this lender published each time Banrox checked its page, so you can see whether the rate has been moving. It is a history of published rates, not a prediction of what you will be offered.

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SoFi Student Loan Refinancing

SoFi · Student loan refinance · Rates as of Nov 09, 2026

APR (fixed or variable)

4.49% to 10.99%

APR, both

What SoFi publishes: "Fixed rates from 4.49% APR to 10.99% APR with all discounts. The 4.49% floor is the 5 year term; longer terms start higher (7 year from 6.54%, 10 year from 6.57%, 15 year from 6.77%, 20 year from 6.97%). Rates current as of 10/12/26."

Ranges include both the 0.25% autopay discount and the 0.125% Member Rate discount (total 0.375%); without discounts floors would be fixed 4.365% / variable 6.115% (computed, not stated). By-term fixed ranges 'with all discounts': 5-year 3.99% - 10.80%; 7-year 5.82% - 10.99%; 10-year 5.82% - 10.99%; 15-year 6.08% - 10.99%; 20-year 6.33% - 10.99%; 5-20-year variable 5.74% - 10.99%. Variable rate = margin + 30-day average SOFR, lifetime cap 13.95%. Rate ranges dated 9/4/26 on the page.

The rate you are offered is set by SoFi after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.

Loan amount and term

Loan amount	from $5,000
Term	60 to 240 months
Rate type	both
Funding speed	Approvals take 2-3 business days on average (funding time not stated)

Fees

Origination fee	None: 'No origination fees, pre-payment, or late fees.'
Prepayment penalty	No
Late fee	Not stated

Eligibility

Minimum credit score	Not disclosed
States	Not stated
Membership	Not required

Highlights

Origination fee None: 'No origination fees, pre-payment, or late fees.'
Funding: Approvals take 2-3 business days on average (funding time not stated)
No prepayment penalty

About SoFi

Legal name	SoFi Bank, N.A. (Member FDIC, NMLS #696891)
Type	Bank
Website	https://www.sofi.com

Other SoFi offers on Banrox: SoFi Personal Loan.

Source and date

Rates as of	Nov 09, 2026
Lender rate page	Open

Every number on this page is copied from SoFi's public website on the date above. Banrox does not set, estimate or adjust lender rates.

Estimated payment

at 4.49% APR, the lowest published

/month

Loan amount and term

Apply

Apply on SoFi's site

See the lender's rate page

Lowest APR, last 17 checks

Estimate only. Principal and interest at the lowest APR the lender publishes, excluding fees. Your actual rate, payment and eligibility are decided by the lender. This is not an offer or a commitment to lend.

Compare with

Earnest: Earnest Student Loan Refinance from 4.45%
Key Student Loan Refinance (formerly Laurel Road): Key Student Loan Refinance (formerly Laurel Road) 4.74% to 9.75%
ELFI (Education Loan Finance): ELFI Student Loan Refinance from 4.49%

Third-party lenders

Loan offers are provided by third-party lenders. Banrox is a technology company and is not a lender. Banrox does not take loan applications, make credit decisions or fund loans.

Compensation

Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.

Rates and estimates

Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.

Before you rely on anything on this page

Banrox does not decide. Banrox Inc. is a technology company. It is not a bank, a lender, a loan broker, or a credit repair organization, and it does not approve, deny, price or underwrite any credit product. Every decision belongs to the bank, lender or issuer, under its own criteria and its own licences.

Nothing here is an offer. Rates, payments, limits and terms shown on this site are published information or arithmetic estimates. They are not quotes, not pre-approvals and not offers of credit. Your actual terms depend on the provider's review of your application. See where these numbers come from.

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